1. How to get a loan?

1. Bank personal loan process 1. Prepare relevant procedures: The procedures that need to be submitted for general loans mainly include: loan application form, customer’s identity Certificate, household registration book, income certificate, marriage status certificate and other materials (customers with a spouse also need to provide the spouse’s ID card and household registration book). If it is a mortgage loan customer, the property ownership certificate of the mortgaged property needs to be issued; if it is a guarantee-free loan, Customers need to provide a good credit record. 2. Apply to the bank: After preparing the relevant information, the customer can go to the bank or the law firm entrusted by the bank to submit the relevant information to the bank for verification and after the customer pays various fees, the customer needs to sign a loan contract with the bank and use this to As a legal document binding both parties. 3. Pre-loan approval by the bank: If it is a home purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If it is qualified, the bank will conduct the final loan approval; if the review is unqualified, the bank will return the relevant application form to the customer. information and explain the situation to customers. 4. Go through other legal procedures: In addition to the contract, customers also need to go through some legal procedures. If it is a mortgage loan customer, the customer also needs to go to the relevant department to register and file the mortgage of the collateral for future inquiries. 5. Bank loan: After the relevant procedures of the customer are completed, the bank will approve the loan or submit it to the superior for approval based on the assessment of the borrower. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other relevant details, and issue a loan instruction to transfer the loan item to the customer's account. 2. Materials required for personal bank loans: 1. Valid ID card and household registration book of the borrower; 2. Proof of marital status. If you are unmarried, you need to provide a certificate of unmarried status. If you are divorced, you need to provide a civil mediation letter or divorce certificate (indicate that after the divorce) Not remarried); 3. If you are married, you need to provide your spouse’s valid ID card, household registration book and marriage certificate; 4. Proof of the borrower’s income (certificate of salary income for six consecutive months or local tax certificate); 5. Property ownership certificate of the real estate; 6 .Guarantor (need to provide ID card, household register, marriage certificate, etc.)

2. How to get a loan

If you hold a CMB all-in-one card, CMB has launched Flash loan business. You can log in to the CMB Mobile Banking APP and click "My → All → Borrow" to try to apply or check whether you are eligible to apply (whether you can obtain a quota and whether the loan is successful are subject to the system evaluation results).

Basic conditions for flash loan application:

1. Hold a CMB all-in-one card;

2. The borrower is generally between 23 and 60 years old. The loan period is generally no more than 60 years old;

3. Have the ability to repay the loan on time, no illegal behavior, and good credit.

Warm reminder:

1. After the flash loan is issued, cash will be released to the designated account. The funds can only be used for normal bulk consumption and transfers, and are not allowed to be invested or flowed into the stock market, real estate, etc. .

2. Different types of flash loans have different limit regulations. Generally, the maximum credit limit does not exceed 200,000, which is ultimately displayed on the loan page; the minimum amount of a single withdrawal is 1,000, and the maximum does not exceed the limit amount. , and must be an integral multiple of 1,000.

3. There are two types of loan applications within the flash loan limit:

(1) 15-minute loan: automatically approved within 5-10 minutes, and immediately released after approval, and SMS Notice

(2) Loan on T1: There will be a phone call to verify on T1, and the loan will be arranged after confirming the information. If you contact the applicant three times without receiving an answer, your application will be unsuccessful and you will need to apply again.

4. When a flash loan is used to build a credit limit, there will be an inquiry record on the credit report. If you have successfully established a balance but have not withdrawn money: there will be no record of the limit in the credit report; for each subsequent withdrawal, there will be a record of the loan in the credit report.